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Mortgage Calculators

Prepay vs. Invest Calculator

If you have extra cash each month, should you pay down your mortgage to reduce interest or invest that money to earn returns over the same period? This calculator will compare the two scenarios and show you what your mortgage interest saving vs. investment yield could be.


Change these fields as desired:
How much more you have to spend each month
Current monthly payment (principal & interest only)
Current Annual Loan Interest Rate
Current Loan Balance
Loan Interest Deductibility
Expected Long Term Investment Return (%)
Expected Long Term Tax Rate (%) (Federal+State)
Investment Type


Compare mortgage rates or have four loan offers sent to you in minutes!